【摘要】：小額貸款公司自出現(xiàn)以來(lái)得到了越來(lái)越多的關(guān)注,其對(duì)緩解農(nóng)戶(hù)及中小企業(yè)融資難具有重要意義。2008年,中國(guó)人民銀行和銀監(jiān)會(huì)聯(lián)合發(fā)布了《關(guān)于小額貸款公司試點(diǎn)的指導(dǎo)意見(jiàn)》,中國(guó)的小額貸款公司是只貸不存的非金融機(jī)構(gòu),遼寧省小額貸款公司試點(diǎn)于該年底啟動(dòng),監(jiān)管方面尚處于初步確定階段。在未來(lái)的探索發(fā)展階段中,如何完善現(xiàn)行監(jiān)管,這對(duì)于小額貸款公司實(shí)現(xiàn)規(guī)范健康可持續(xù)的發(fā)展無(wú)疑有著現(xiàn)實(shí)意義。 上個(gè)世紀(jì)70年代,尤努斯博士在孟加拉—手創(chuàng)辦了孟加拉鄉(xiāng)村銀行并取得了巨大的成功,國(guó)外關(guān)于小額貸款機(jī)構(gòu)的研究較早和深入。但國(guó)內(nèi)外情況有所不同,小額貸款公司行業(yè)在中國(guó)屬于新興行業(yè),國(guó)內(nèi)對(duì)此研究尚處于起步階段,且較多關(guān)注于其可持續(xù)發(fā)展問(wèn)題。 本文以營(yíng)口市小額貸款公司監(jiān)管為研究對(duì)象。營(yíng)口地區(qū)小額貸款公司的監(jiān)管工作由市人民政府金融工作辦公室負(fù)責(zé),自試點(diǎn)啟動(dòng)以來(lái),在全省統(tǒng)一監(jiān)管框架下,已經(jīng)過(guò)了4年多的監(jiān)管實(shí)踐。本文分為四個(gè)部分,第一部分介紹了小額貸款公司的研究背景和重要意義、國(guó)內(nèi)外研究現(xiàn)狀、研究思路和方法、小額信貸及小額貸款公司的定義；第二部分對(duì)小額貸款公司的監(jiān)管目標(biāo)進(jìn)行界定,即：防范其出現(xiàn)社會(huì)風(fēng)險(xiǎn)、促進(jìn)其健康可持續(xù)發(fā)展、引導(dǎo)其實(shí)現(xiàn)社會(huì)目標(biāo),通過(guò)SWOT分析工具的使用,在概述優(yōu)勢(shì)、劣勢(shì)、機(jī)會(huì)、威脅的基礎(chǔ)上,確定在小額貸款公司監(jiān)管上使用WO戰(zhàn)略輔以WT戰(zhàn)略；第三部分借鑒國(guó)內(nèi)外的現(xiàn)有經(jīng)驗(yàn)；最后提出監(jiān)管的對(duì)策建議。這些均助于科學(xué)監(jiān)管目標(biāo)的實(shí)現(xiàn)。
[Abstract]:Since its emergence, microfinance companies have received more and more attention, which is of great significance to alleviate the financing difficulties of farmers and small and medium-sized enterprises. In 2008, the people's Bank of China and the CBRC jointly issued the guidance on the pilot Project of Microloan companies. China's microfinance companies are non-financial institutions with only loans, and the pilot project of Liaoning Microloan companies was launched at the end of the year, and the supervision is still in a preliminary stage. In the future exploration and development stage, how to improve the current supervision, which is undoubtedly of practical significance for microfinance companies to achieve standardized, healthy and sustainable development. In the 1970s, Dr. Yunus founded Bangladesh Rural Bank in Bangladesh and achieved great success. Foreign research on microfinance institutions was early and in-depth. However, the situation at home and abroad is different. Microfinance company industry is a new industry in China. The domestic research on this industry is still in its infancy, and more attention is paid to its sustainable development. This paper takes the supervision of Yingkou microloan company as the research object. The supervision of microfinance companies in Yingkou area is the responsibility of the Financial work Office of the Municipal people's Government. Since the pilot project was launched, it has gone through more than four years of supervision and control practice under the unified regulatory framework of the whole province. This paper is divided into four parts. The first part introduces the research background and significance of microfinance companies, the research status at home and abroad, research ideas and methods, microcredit and the definition of microfinance companies. The second part defines the regulatory objectives of microfinance companies, that is, to prevent their social risks, promote their healthy and sustainable development, guide them to achieve social goals, through the use of SWOT analysis tools, on the basis of an overview of advantages, disadvantages, opportunities, threats, determine the use of WO strategy in the supervision of microfinance companies supplemented by WT strategy; the third part draws lessons from the existing experience at home and abroad; Finally, the countermeasures and suggestions of supervision are put forward. All these are helpful to the realization of the goal of scientific supervision.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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